WASHINGTON The U.S. Department of Housing and Urban Development (HUD) and the Census Bureau jointly announced the following new residential construction statistics for August 2016. Source link Tags:
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Retirement Consultant East 840 North Orem WASHINGTON the usa Mint encourage instructions the 2016 US Eagle Platinum verification Coin (item rule 16EJ) beginning on June 30 at noon Eastern Time (ET). Supply link Tags: ... Tags: The Division of Market Oversight (DMO) of the Commodity Futures Trading Commission (CFTC) provided time-limited no-action relief for Swap Execution Facilities (SEFs) from the requirements to capture post-trade allocation information in their audit trail data, as required under CFTC Regulations. Source link Tags: retirement,business,financial,services,insurance,glen mills,middletown de,wilmington pike,financial consultant... Tags: retirement,business,financial,services,insurance,glen mills,middletown de,wilmington pike,financial consultant Retirement Professional W 9 Mile Road Southfield WASHINGTON product sales of brand new single-family houses in October 2016 had been at a seasonally adjusted annual price of 563,000, relating to estimates circulated jointly today because of the U.S. Department of Housing and Urban developing (HUD) and also the U.S. Census Bureau. Origin link Tags: ... Tags: For the millions of consumers with bad credit and no credit, getting approved for a major credit card takes a lot of effort. Unfortunately, establishing credit is as equally challenging as re-establishing credit. Creditors consider both types of people as risky applicants. Thus, they are less eager to extend a line of credit. However, there are ways to get around this problem. Bad credit credit cards are intended to make it easier for some to obtain credit. The Importance of Establishing a Good Credit History Even with poor credit, you will be able to finance many purchases such as a home or vehicle. However, good credit has certain advantages. Those with a high credit score receive prime rates on home loans and auto loans. For some, low rates may not be a huge deal. Yet, low interest rates on loans can potentially save you hundreds each month. Moreover, having good credit unlocks the door to better financing alternatives. Similarities Between Having No Credit and Bad Credit Unfair as it may be, some lenders group those with no credit and individuals with poor credit into the same category. This makes it harder for young people and those trying to establish credit. Individuals with poor credit made certain mistakes that justify a lender's reluctance. On the other hand, those with no credit history have zero credit mistakes. So, why do some lenders deny credit to those with no credit history? In a nutshell, before granting a credit card or loan, lenders will review credit reports to examine past relationships with other creditors. It's a way to determine an applicant's likelihood of repaying funds. If you have no credit history, lenders become uncertain. Instead of taking a gamble, they rather deny an application. Getting Approved for a Bad Credit Credit Card Getting approved for a bad credit credit card is easy. The tricky part is finding a lender that specializes in this sort of credit. Use the internet to your advantage. Many bad credit credit card lenders offer online applications and instant approvals. If you are hoping to build a good credit history, this is one of the easiest approaches. There are two types of bad credit credit cards. If you are approved for an unsecured card, you may receive an initial low credit limit. However, as you maintain regular payments, the creditor may gradually increase the spending limit. With a secured credit card, applicants must open a saving account with the lender. In the event that you decide to stop making payments, this account serves as collateral. Tags: retirement,business,financial,services,insurance,glen mills,middletown de,wilmington pike,financial consultant WASHINGTON The U.S. Department of Housing and Urban Development announced that it is making $3.3 million available in cooperative agreements to support research to develop and improve methods for the identification and control of key residential health hazards and to improve the implementation of policies that address these hazards. Source link Tags: ... Tags: WASHINGTON, D.C. styles for commemorative coins honoring the 100th anniversary associated with the founding of Lions Clubs Overseas had been revealed today during the business's 99th annual meeting in Fukuoka, Japan. Resource website link Tags: Retirement Planning Advisor East 840 North Orem UT What do you mean by a 'secured credit card'? Secured credit cards are another very popular breed of credit cards. Secured credit cards, as their name suggests, are secured. Well, they are secured for the credit card supplier, really. Secured credit cards require you to open an account with the credit card supplier and maintain some cash balance in that account. This cash balance acts as a security for the supplier of secured credit card. Your credit limit is dependent on the amount you hold in https://www.youtube.com/watch?v=WcRl_eqZs2Y you have started with the supplier of secured credit card. This is generally between 50 to 100% of your account balance. So in that sense, secured credit cards are not really credit cards (since they don't offer you any credit really). For this reason, the secured credit cards are sometimes also referred as debit cards. Why is the concept of secured credit cards so important? As we know, credit card debt is a raging problem which is caused by improper usage of credit cards. Such people end up spoiling their credit rating to an extent where they cannot get another unsecured credit card (that is what we call the commonly used credit cards). Even after they have paid off their dues and cleared their debt, their credit rating still haunts them. For such people, secured credit cards are a boon. Secured credit cards present them with an opportunity to not only get a credit card in the first place but also to improve their credit rating by using the secured credit card in a disciplined way (paying their dues in time, controlled spending, utilizing a maximum of 70% credit limit etc etc). As they continue with these good habits, their credit rating gradually improves over a period of time. Hence secured credit cards provide them with the means of rectifying their mistakes (credit rating). It's not just the people with bad credit rating who go for secured credit cards. Some people go for secured credit cards because they don't want to bother themselves with the bills etc for credit cards. They don't like to even fill-up application forms for unsecured credit cards. Then there are some who just don't like to borrow money (even if it means borrowing from a credit card supplier by using their credit card). However, such people are very rare to find. Some people just go for secured credit cards because they have heard a lot of horrifying stories on credit card debt maybe someone from their family or one of their friends was devastated by credit card debt and they don't want to repeat the mistake. So they decide to go for a secured credit card. Whatever be the reason for going for it, the secured credit cards are surely popular too. 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